An operator cockpit with the checks on screen, priced per seat.
Debt Digest gives each collector one productive workstation with the call queue, resolution workflows, participant-specific authority, and frequency and representation checks. Every action on an account records who did it and under whose authority. Flat per-seat subscription, with no platform outcome fee.
Three motions your collectors run every shift
Not a roadmap. These are the paths a seated collector walks in the product right now, and you can walk them yourself in the live cockpit before you talk to anyone here.
Your collector presses send. Always.
No message leaves under your agency’s identity without one of your collectors acting. The platform assembles the record, applies the controls your client configured, and waits for a person on your floor to press send.
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1
The creditor places the account
Your client assigns the file to your agency and sets the terms it will accept: the settlement matrix, the floors, the channels, and the charge-off timing for that portfolio.
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2
The record arrives with its participants named
The shared account record identifies the current owner, your agency as the assigned operator, and any representative already on file. When a representation is on file for a consumer, their contact details arrive withheld from the queue, not merely marked.
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3
Your collector reviews and decides
The frequency counter, the consumer's local time, the account history, and the authorized options are on one screen. Nothing queues itself for delivery behind the collector.
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4
Your collector acts, and the rail records it Agency-initiated
The call, the message, or the offer goes out under your agency's identity, and the audit trail records who did it, when, and under whose authority. The evidence is written as the action happens rather than reconstructed later.
A cloud-native cockpit, not another legacy dialer bolt-on
Most agency platforms were designed before Regulation F and price like a phone system. Here is the attribute-by-attribute difference.
| What you are comparing | Legacy collection platform | Debt Digest |
|---|---|---|
| Where compliance lives | Frequency and validation tracked in a separate system, reconciled after the fact. | The contact counter and the notice tooling are on the operator screen, before the call. |
| How the bill behaves | Per collected dollar, or seat plus usage, so the invoice grows with a good month. | Flat per seat. The bill is the same in a great month and a slow one. |
| Who the record says acted | One tenant label on the file, with roles inferred from context. | Participant-specific identity, authority, and conduct recorded per action. |
| What an examiner receives | A report assembled on request, from logs kept for operations rather than evidence. | A printable evidence pack built from the audit trail the platform already wrote. |
| Deployment | On-premise, or a dialer with a portal bolted onto it. | Cloud-native, browser-based, with seats you add and remove as your floor changes. |
Your authority and duties stay visible on every account
Your agency remains the identified operator on files assigned to it. Debt Digest hosts the shared record, runs the workflow controls, and records who took each action. The platform does not transfer, erase, or decide a participant’s legal status: duties depend on actual conduct, authority, contracts, account context, jurisdiction, and law. Debt Digest bills only a seat subscription, never a share of dollars recovered.
Reg F §1006.34FDCPA §1692a(6) role-specific analysis
Reg F Part 1006 workflow controls
§1006.14(b)(2) call-cadence counter, scoped more strictly
§1006.34 validation notice generation
§805(c) cease-communication enforcement
Subscription only no outcome fee
The call queue is where the compliance story is either true or not
Everything above is a claim until a collector sits down in front of it. This is the pre-dial screen, on the same sample book you can open yourself.
What else a seat carries
From seat one to a working book
The sequence below is the rollout, not a schedule: how long each stage takes depends on your client’s placement cadence and your own compliance review, not on us.
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Look first
Open the live cockpit
Open it without filling in a form first. The demo book is a real seeded agency on the real product path, not a mockup. Reads are live; the resolution and bidding rails are read-only on the demo book. -
Seats
Name your operators
Each collector who works accounts gets a seat with their own identity, so every logged action carries a person rather than a shared login. -
Placement
Take your first placed accounts
Your client places accounts to your agency with its matrix and floors configured, and the queue populates with the participants already named. -
Evidence
Pull the pack and check our work
Download the examiner pack after the first weeks of live activity and hand it to your compliance officer. If it does not answer the questions your examiner asks, it has not earned the seat cost.
How the bill behaves
Four things worth knowing before you model it, because the shape of the invoice matters more to a collection agency than the headline number does.
The figures above describe how the platform is priced. They are not a projection of what your agency will recover, and nothing here is a forecast of collection performance.
Priced per seat, posted in public
One rate card, on the website, where your procurement team can read it without a call.
- Operator cockpit, account queue, message triage, and call queue
- Balance in full, payment plan, and settlement workflows
- Contact-frequency counter and validation-notice generation
- Compliance posture dashboard and downloadable examiner pack
- Per-seat identity with immediate revocation
- Open placements and the collector scorecard
This is the current public rate card. Paid access and any pricing change require a separately accepted subscription order form. Consumer payments go to the creditor of record and never to Debt Digest, so nothing in this pricing sits between a consumer and the company they owe.
Questions agency owners actually ask
Built by someone who spent years on the other side of your calls
Debt Digest is built by a founder who works at a debt settlement law firm, on the consumer side, and has watched several hundred accounts move through the process from that seat. That vantage point produces an unglamorous conclusion: most of the friction in this industry is not bad intent on anyone’s part. It is that the participants cannot see the same record, so the same account gets worked twice, a representation arrives after the call, and everybody reconstructs what happened from separate logs afterwards.
That is a software problem, and it is the one this platform is built to solve. The reason the compliance tooling sits on the operator screen rather than in a monthly report is that a control which arrives after the action has already failed at the only moment it mattered.
This is not a collections company that also sells software, and it is not trying to replace your judgment about your own book. It is the rail underneath the participants, priced so that it has no financial interest in how any individual account turns out.
See the operator cockpit on a screen share
Thirty minutes, the live product on a sample book, and straight answers about participant roles, authority, controls, and evidence for your compliance officer. No deck.
Or open the live cockpit first and come back with questions. You can also request a pilot or email partners@debt-digest.com, and we respond within one business day.
Structural facts, not testimonials we do not have yet
We have not signed our first pilot of any kind, so there are no logos on this page and no numbers borrowed from someone else’s deck. These three are true because of how the platform is built, and they would still be true on your first day.